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Bedford city, KY

ZIP 40006 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 40006

Median Home Value
$183,700
Median Rent
$552
Affordability Snapshot
$51,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,180/mo PITI).

11%
Rent-to-Income Ratio

Below the 30% threshold — generally affordable for median earners.

3.0x
Home Price-to-Income Ratio

Within the typical 3-5x range for home affordability.

27.7 yrs
Price-to-Rent Ratio

Years to break even buying vs renting at median home value and rent.

To comfortably buy a median-priced home in ZIP 40006 in Bedford city, KY, a household would need roughly $51,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $1,180. That sits below the local median household income ($60,244), suggesting the typical household income is closer to a workable buy-in level under these assumptions. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 10% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
86.7%+32% vs US avg
x
Vacancy Rate
10.3%-0% vs US avg
x
Broadband Access
85.3%-2% vs US avg
x
4+ Bedrooms
5.8%-60% vs US avg
x
Built Pre-1939
1.7%-86% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
10.5%-79% vs US avg
x
Mortgage-Free
57.3%+50% vs US avg
x
$183,700
Home Value
$552
Rent
1990
Year Built
2007
Moved In

Residents have lived here since ~2007 on average

Housing Structure

Census ACS structure types (single-family, multi-unit, etc.).

  • 1-unit detached64.6%
  • 1-unit attached0.0%
  • 2-9 units4.4%
  • 10+ units0.1%
  • Mobile home & other30.9%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$183,700
Median rent$552
Owner-occupied86.7%
Vacant10.3%
Price-to-income3.0x
Est. income to buy$51,000